Shriram Finance Limited · NSE:SHRIRAMFIN

Shriram Finance — Shriram Transport Finance Company — Q2 FY2020 Earnings Presentation

21 slides from Shriram Finance's earnings presentation, Oct 24, 2019

  1. Slide 1: Shriram Transport Finance Company Limited – Investor Update Filing Letter

    SHRIRAM Thinaport Finance Company Limited A WINNING RELATIONSHIP SEC/FILING/BSE-NSE/19-20/68A-B October 24, 2019 BSE Limited National Stock Exchange of India Limited P. J. Towers, Listing Department Dalal Street, Fort, Exchange Plaza, 5th Floor, Mumbai — 400 001. Plot no. C/1, G- Block, Scrip Code:.

  2. Slide 2: Investor Update – Q2 & H1 FY2020

    Our AUM has crossed Just another milestone in our growth journey Shriram Transport Finance Company Ltd Investor Update – Q2 Update — Q2 & & H1 H1 FY2020 FY2020 October 24, 2019 SHRIRAM Transport Finance Company Limited A WINNING RELATIONSHIP

  3. Slide 3: Performance Highlights – Q2 FY20 vs Q2 FY19

    Performance Highlights–Q2 Performance Highlights Q2FY20 FY20 vs vs Q2 Q2 FY19 )SHR I RAM Tranoport Fmance Company Lonitee A WINNING RELATIONSHIP Q2 FY20 Rs 42,198.2 42,198.2 mn Total Ini Income come 6.89% Q2 FY19 Rs 39,477.5 mn Q2 FY20 Rs 20,367.6 mn Net Interest Income* -0.69% -0.69% Q2 FY19 Rs 20,

  4. Slide 4: Performance Highlights – H1 FY20 vs H1 FY19

    Performance Highlights–H1 Performance Highlights H1FY20 FY20 vs vs H1 H1 FY19 SHRIRAM Trannport F.nence Lampe, Urrutee A WINNING RELATIONSHIP H1 FY20 Rs 82,814.7 mn Total TotalIncome Income 111 7.84% H1 FY19 Rs 76,790.6 mn H1 FY20 Rs 39,985.0 mn Net Interest Interest Income* 3.22% Income* 3.22% H1 F

  5. Slide 5: Performance Highlights – Q2 FY20 vs Q2 FY19

    Performance Highlights–Q2 Performance Highlights Q2FY20 FY20 vs vs Q2 Q2 FY19 li SHR I RAM Tranaport Fmance Company Looked A WINNING RELATIONSHIP Q2 FY20 Rs 1,081,202.4 mn AUM 3.58% Rs 1,043,798.3 mn Q2 FY19 Q2 FY20 Rs 93,965.6 mn 3.34% Gross Stage 3 assets 3.34% Q2 FY19 Rs 90,924.9 mn CRAR at at 20

  6. Slide 6: AUM Break-up

    AUM Break-up liSHR I RAM Tronoport Pmance Company Urnitee A WINNING RELATIONSHIP Particulars (Rs. mn) Particulars Q2 FY19 Q1 FY20 Q2 FY20 YoY (%) QoQ (%) H1 FY19 H1 FY20 YoY (%) FY19 Loan Portfolio - On Books Balance sheet assets 878,147.2 846,514.5 847,722.0 -3.46% 0.14% 878,147.2 847,722.0 -3.46%

  7. Slide 7: Segment-wise AUM Break up

    )SHRIRAM Segment-wise AUM Break up Tranaport Fmance Company Lonitee A WINNING RELATIONSHIP Others, Others, 2.19% 2.85% Business HCVs, Business HCVs, • HCVs, Loans, 46.46% Loans, 45.81% 3.17% 2.64% Tractors, Tractors, 3.94% 3.19% Q2 FY19 Q2 FY20 Passenger Vehicles, M&LCVs, Passenger 23.22% 21.02% Veh

  8. Slide 8: Branch & AUM distribution – Q2 FY20 vs Q2 FY19

    Branch & Branch & AUM distribution–Q2 AUMdistribution Q2FY20 FY20 vs vs Q2 Q2 FY19 li SHRIRAM Tranaport Fmance Company Lonitee A WINNING RELATIONSHIP Branch (Nos) AUM (Rs in bn) ■ Urban, Rural, Rural, 650 366.4 651 Q2 FY19 Q2 FY19 Total Branch 1,301 Total AUM Rs 1,043.8 bn Urban, Urban, 677.4 876 Ru

  9. Slide 9: Provision Analysis

    Provision Analysis Provision Analysis liSHR I RAM Tranaport ;nonce Company Urnitee A WINNING RELATIONSHIP As per IND AS Particulars (Rs. mn) Particulars Q2 FY19 Q1 FY20 Q2 FY20 YoY (%) QoQ (%) H1 FY19 H1 FY20 YoY (%) FY19 Gross Stage 3 90,924.9 89,257.4 93,965.6 3.34% 5.27% 90,924.9 93,965.6 3.34% 8

  10. Slide 10: Well-entrenched Pan India Network

    )SHRIRAM Well-entrenched Pan India Network Tranaport Fmance Company Lonitee A WINNING RELATIONSHIP Regional Split of Branches ABBREVIATIONS Zone Zone Name ZORPR, ZORPR, 84 ZOADH, 172 ZOADH HYDERABAD ZOADH HYDERABADZONE ZONE ZOPUN, 153 ZOPUN, ZODHP DELHI ZODHP DELHIZONE ZONE ZODHP, 47 ZOECE RANCH ZOE

  11. Slide 11: P&L Statement

    P&L Statement liSHRIRAM Tronoport Pmance Company Urnitee A WINNING RELATIONSHIP Particulars (Rs. mn) Particulars ■ Q2 FY19 01 FY20 Q1 FY20 Q2 FY20 YoY (%) QoQ (%) H1 FY19 H1 FY20 YoY (%) FY19 Interest income 39,184.0 40,014.6 41,128.6 4.96% 2.78% 76,300.5 81,143.2 6.35% 154,441.4 Interest expended 1

  12. Slide 12: Balance Sheet

    SHRIRAM Balance Sheet Tranaport Pmance Company Lerma A WINNING RELATIONSHIP Particulars (Rs. (Rs. mn) Sep-18 Jun-19 Sep-19 YoY (%) YoY (%) QoQ (%) QoQ (%) Mar-19 I. I. ASSETS Financial Financial Assets Cash and cash cash equivalents equivalents 3,619.7 31,379.3 7,564.7 108.99% -75.89% 10,291.4 Bank

  13. Slide 13: Balance Sheet (Continued)

    SHRIRAM Balance Sheet (Continued) li Tranaport Pmance Company Urnitee A WINNING RELATIONSHIP Particulars (Rs. mn) Particulars Sep-18 Jun-19 Sep-19 YoY (%) QoQ (%) Mar-19 II. Liabilities Liabilities and and Equity Equity Financial Liabilities Derivative financial Derivative financial instruments inst

  14. Slide 14: Key Metrics – Q2 FY20

    Key Metrics–Q2 Key Metrics Q2 FY20 FY20 liSHRIRAM Tronoport ;nonce Company Urnitee A WINNING RELATIONSHIP P&L Metrics (Rs. mn) Q2 FY19 Q1 FY20 Q2 FY20 YoY (%) QoQ (%) H1 FY19 H1 FY20 YoY (%) FY19 Interest Income 39,184.0 40,014.6 41,128.6 4.96% 2.78% 76,300.5 81,143.2 6.35% 154,441.4 Less: Interest

  15. Slide 15: Borrowing Profile as on Sep 30, 2019 vs Sep 30, 2018

    Borrowing Profile as on Sep 30, 2019 vs Sep 30, 2018 *SHRIRAM Tranoport Fmance Company L.P. A WINNING RELATIONSHIP Rs 881.93 bn Rs 905.93 bn • Bonds, Bonds, 32.11% 25.04% Borrowings in Borrowings Foreign currency, Commercial 3.20% Borrowings Borrowings in Paper Paper , 0.15% Foreign • Other currency

  16. Slide 16: Borrowing Profile as on Sep 30, 2019 vs June 30, 2019

    Borrowing Profile as on Sep 30, 2019 vs June 30, 2019 *SHRIRAM Tranoport Fmance Company L.P. A WINNING RELATIONSHIP Rs 906.04 bn Rs 905.93 bn Bonds, Bonds, 29.93% 25.04% Commercial Borrowings in Borrowings Borrowings in Paper Paper , 0.15% Foreign Commercial Foreign currency, Paper , 1.77% • Other c

  17. Slide 17: Shareholding Pattern as on Sep 30, 2019 vs Sep 30, 2018

    Shareholding Pattern as on Sep 30, 2019 vs Sep 30, 2018 *SHRIRAM Tranoport Fmance Company L.P. A WINNING RELATIONSHIP No. of shares shares outstanding: outstanding: 226.88 226.88 mn Other Public , Public , Public, Public, Other Corporate 6.33% 7.30% Corporate MF/Bank Body , MF/Bank , , Body, Promote

  18. Slide 18: Has Attracted Strong Interest from Quality Investors

    SHRIRAM Has Attracted Strong Interest from Quality Investors Tranaport Pmance Company Lerma A WINNING RELATIONSHIP Consistent track * Consistent  track record record and and high high Current growth potential potential has attracted reputed Key Shareholders Shareholding % institutional institutiona

  19. Slide 19: Contact Us

    SHRIRAM Contact Us ii Tranaport Fmance Company Lonitee A WINNING RELATIONSHIP For any Investor Relations queries please contact Sanjay K. Mundra Shriram Transport Transport Finance Co. Ltd Email: smundra@stfc.in Tel. No. Tel. No. +91-22-4095 +91-22-4095 9507 18

  20. Slide 20: About Us

    About Us liSHRIRAM Tranaport Pmance Company Urnitee A WINNING RELATIONSHIP About Shriram Transport Finance Co. Ltd. Shriram Transport Transport Finance Finance CoCo Ltd. is the largest largest asset asset financing NBFC in India India with with Assets Assets underunder management management Rs. Rs.

  21. Slide 21: Thank You

    SHRIRAM Transport Finance Company Limited A WINNING RELATIONSHIP Thank You

Shriram Transport Finance Company — Q2 FY2020 Earnings Presentation on 6ix